Welcome to our dedicated page for Chime Financial SEC filings (Ticker: CHYM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Understanding a fintech company's financials requires navigating disclosures that differ from traditional banks. Chime Financial's SEC filings reveal how a fee-free banking model generates revenue, tracks user metrics, and manages the complexities of bank partnership arrangements.
Chime's 10-K annual reports and 10-Q quarterly filings break down interchange revenue from debit card transactions, the primary driver of the company's business model. These documents detail customer acquisition costs, active user counts, and transaction volumes that determine Chime's financial performance. The risk factors section addresses regulatory considerations unique to fintech companies operating through bank partners rather than holding their own charter.
The company's 8-K filings capture material events including earnings announcements, executive changes, and significant business developments. For a company in the competitive neobank space, these timely disclosures provide insight into strategic shifts and operational updates between quarterly reports.
Form 4 insider transaction filings track when Chime executives and directors buy or sell company stock. Following insider activity can reveal management confidence levels, particularly meaningful for a company that completed its IPO recently and where insider selling restrictions may be lifting over time.
DEF 14A proxy statements detail executive compensation structures, board composition, and shareholder voting matters. For a fintech company competing for talent against both traditional financial institutions and technology companies, compensation disclosures show how Chime structures incentives for leadership.
Our AI-powered summaries highlight key metrics from Chime's filings without requiring you to parse through accounting footnotes and regulatory boilerplate. Track user growth trends, revenue drivers, and management outlook with analysis designed for investors following the digital banking sector.
Chime Financial insider report: Chief Accounting Officer Amine reported a transaction on 09/08/2025 showing 7,624 shares of Class A common stock disposed at a price of $24.34 per share. The filing states these shares were withheld by the issuer to satisfy tax withholding related to the net settlement of restricted stock units and do not represent a sale by the reporting person. After the withholding, the reporting person beneficially owns 224,336 shares, held directly. The form is signed by a power of attorney on 09/10/2025.
Shawn T. Carolan, a director of Chime Financial, Inc. (CHYM), reported receipt of 7,628 restricted stock units (RSUs) on 08/27/2025 at a $0 price. Each RSU converts to one Class A share, with one-fourth vesting on November 27, 2025 and the remainder vesting quarterly thereafter if the reporting person remains a service provider. Following the grant, Mr. Carolan directly owned 7,628 Class A shares and indirectly held 17,442,713 shares through several Menlo-managed funds, while disclaiming beneficial ownership except for his pecuniary interest. The Form 4 was signed by power of attorney on 08/29/2025.
James Feuille, a director of Chime Financial, Inc. (CHYM), reported an acquisition of 7,628 restricted stock units (RSUs) on 08/27/2025. Each RSU represents a contingent right to one share of Class A common stock and the RSUs vest one-fourth on November 27, 2025 and quarterly thereafter, subject to continued service.
The filing also shows the Reporting Person's indirect beneficial ownership of 23,766,250 Class A shares across four Crosslink entities, with a minor downward adjustment of four shares after an internal review. The Reporting Person disclaims beneficial ownership except to the extent of pecuniary interest.
James J. Dunne III, a director of Chime Financial, Inc. (CHYM), was granted restricted stock units (RSUs) that represent contingent rights to Class A common stock. The Form 4 reports an acquisition on 08/27/2025 of 7,628 RSUs at a reported price of $0, increasing the reporting person’s beneficial ownership to 71,295 shares.
Vesting is specified: one-fourth of the RSUs vest on November 27, 2025 and the remainder vests quarterly thereafter, subject to continued service. The filing was executed by Theresa Bloom under power of attorney and dated 08/29/2025. The disclosure identifies these instruments as RSUs and notes that some of the reported holdings are subject to individual vesting schedules and conditions.
Susan L. Decker, a director of Chime Financial, Inc. (CHYM), reported stock-unit transactions on Form 4. She was granted 7,628 restricted stock units (RSUs) on 08/27/2025 that vest over time; one-fourth vests on November 27, 2025 and the remainder vests quarterly thereafter while she remains a service provider. After this grant she beneficially owns 14,295 shares of Class A common stock. The filing also discloses an indirect holding of 57,000 shares through SJCE Family LP, for which she serves as general partner. The RSUs represent contingent rights to receive one share each upon vesting and were reported with a $0 price, consistent with equity compensation awards rather than open-market purchases.
Chime Financial director Cynthia Marshall reported a grant of 7,628 restricted stock units (RSUs) on 08/27/2025 that vest over time. The RSUs were reported as acquired at a $0 price and represent contingent rights to receive Class A common stock. Following the transaction, the Reporting Person beneficially owns 72,795 shares in total. The filing notes that one-fourth of the RSUs will vest on November 27, 2025 and then quarterly thereafter, subject to continued service.
Indirect holdings include 375 shares held by the Reporting Person's spouse and 375 shares held by the Reporting Person's daughter. The Form 4 was signed by a power of attorney on 08/29/2025.
Christopher R. Britt reports beneficial ownership totaling 20,458,329 shares of Chime Financial, Inc. Class A common stock, representing 5.70% of the Class A outstanding shares on June 30, 2025. This total reflects direct holdings of Class A shares, stock options and restricted stock units exercisable or vesting within 60 days, plus the assumed conversion of 16,924,872 Class B shares which Britt is deemed to beneficially own. Class B shares convert into Class A shares and carry 20 votes per share, while Class A shares carry one vote each. The filing discloses the split of voting and dispositive power between sole and shared authority, with 3,548,567 shares under sole voting power and 16,909,762 shares under shared voting power.
Menlo Ventures-related entities reported aggregate beneficial ownership of 17,442,713 shares of Chime Financial, Inc. Class A common stock, representing 5.3% of the Class A shares outstanding. The Schedule 13G cover pages show each reporting person is organized in Delaware and that the ownership positions are held across multiple Menlo Vehicles (Menlo Ventures XIV, MMEF XIV, Menlo Inflection I, etc.). The filing states the aggregate percentage is calculated using 332,239,249 Class A shares outstanding as disclosed in Chime's June 11, 2025 prospectus. The reporting persons indicate no sole voting or dispositive power over the shares and report shared voting and dispositive power for the positions. Signatures on the filing are provided by Venky Ganesan on behalf of the Menlo entities (dated 08/14/2025).
Crosslink Capital, Inc. and Michael J. Stark reported beneficial ownership of 29,247,210 shares of Chime Financial, Inc. Class A common stock, representing 8.6% of the Class A shares outstanding as of June 30, 2025. The filing states the securities are held by funds advised by Crosslink, and Mr. Stark is identified as the control person of Crosslink. The reported position reflects shared voting and shared dispositive power for 29,247,210 shares and no sole voting or sole dispositive power. The filing includes an issuer address in San Francisco and is signed by Crosslink’s CFO and Michael J. Stark on August 14, 2025. The 8.6% percentage is calculated using 338,594,524 Class A shares outstanding per the issuer’s quarterly report referenced in the filing.
Ryan A. King filed a Schedule 13G reporting beneficial ownership of 18,526,462 shares, representing 5.19% of Chime Financial, Inc.'s Class A common stock. The filing breaks down holdings across multiple trusts and personal accounts, including 15,280,018 Class B shares held via trusts and other vehicles that are convertible into Class A shares. Class B shares carry 20 votes per share while Class A shares carry one vote each. The total share count used to calculate the percentage was 338,594,524 Class A shares outstanding as of June 30, 2025, as confirmed by the issuer. The filing indicates Mr. King serves as attorney-in-fact for several trusts and discloses sole and shared voting and dispositive powers.
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